我国网络借贷平台评级体系研究

发布时间：2018-03-29 00:32

本文选题：网络借贷　切入点：平台评级　出处：《首都经济贸易大学》2017年硕士论文

【摘要】：自2012年以来,大量互联网技术在金融行业的应用促进了互联网金融行业的蓬勃发展,获得了社会及学术界的广泛关注及研究。网络借贷是互联网金融非常重要的一部分,近年平台数量和规模都取得了突破性的发展,然而网贷平台不合规运营方式不断涌现,不仅危害用户资金安全也扰乱了互联网金融行业的秩序。在相关部门大力推进网贷行业规范化的机遇下本文对网贷平台综合评级展开研究,以期为用户提供更多的选择参考信息,为评级机构提供更多的思路及方向,为网贷市场规范化贡献力量。本文首先区分了传统信用评级与网贷平台的综合评级,确定了网贷平台综合评级是对平台综合经营状况的评价。然后从主观及客观两个角度分别展开评级研究,丰富了平台评级的内容。针对客观评级,在对比分析以往研究的基础上结合相关法规政策选取了4个一级指标及26个二级评级指标,结合层次分析法与熵值法完成指标权重设置。最后以40家网贷平台的数据为样本计算评级指数,结合现有的评级结果,验证了本文客观评级具有一定的现实意义。针对主观评级,创新性的将文本挖掘技术应用到网贷平台评级中,从活跃的平台评价网站文本数据入手,采用文本分析的方法提取出4个主观评级特征指标,按照文本数量设置权重,完成主观评级模型构建。最后,采用分位数的思想将主客观评级结果归为1-5个星级,通过相关的统计检验及平台星级结果的对比分析,进一步验证了主观评级对客观评级的补充作用,为投资人及借款人提供了更多的参考信息,建立了较为完整的网贷平台评级体系。
[Abstract]:Since 2012, the application of a large number of Internet technologies in the financial industry has promoted the vigorous development of the Internet financial industry, and has received extensive attention and research from both the society and the academic community. Network lending is a very important part of Internet finance. In recent years, the number and scale of platforms have made a breakthrough development. It not only endangers the security of users' funds, but also disturbs the order of Internet finance industry. In order to provide more reference information for users, provide more ideas and directions for rating agencies, and contribute to the standardization of the credit market, this paper first distinguishes the traditional credit rating from the comprehensive rating of the online loan platform. It is determined that the comprehensive rating of the network loan platform is the evaluation of the platform's comprehensive operating condition. Then the research on the rating is carried out from the subjective and objective angles, which enriches the content of the platform's rating. On the basis of comparing and analyzing the previous studies, we select 4 first-grade indexes and 26 second-grade rating indexes combined with the relevant laws and regulations. Finally, taking the data of 40 network loan platforms as the sample to calculate the rating index, combined with the existing rating results, the paper combines the analytic hierarchy process (AHP) with the entropy method to complete the index setting. The objective rating of this paper has certain practical significance. Aiming at subjective rating, the text mining technology is innovatively applied to the evaluation of web loan platform, which starts with the active platform to evaluate the text data of the website. Four subjective rating characteristic indexes were extracted by text analysis, and the subjective rating model was constructed according to the weight of text quantity. Finally, the subjective and objective rating results were classified into 1-5 stars by quantile method. Through the relevant statistical tests and the comparative analysis of platform star results, it further verifies the supplementary role of subjective ratings to objective ratings, and provides more reference information for investors and borrowers. Established a relatively complete network loan platform rating system.
【学位授予单位】：首都经济贸易大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.4;F724.6

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